I have had VPI since my Golden Retriever was just a few months old and she is now 2. I am so glad we went with VPI. She had back to back urinary infections the first year. We submitted our claim and were reimbursed no questions asked. The 2nd year (this year) she swallowed somthing and had to have surgery to removed a blockage. The bill was 2 thousand dollars and again we were reimbursed the whole amount, timely and no questions asked. I now have VPI for our new puppy. I only have great things to say about VPI. Everyone is always so helpful and courteous. You never know when you may have an emergency or somthing unexpected and knowing we have the best insurance we can possibly have makes it so much easier.